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Auto Insurance Claims/How two insurance make payments after sharing liability?

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Expert: - 7/17/2009


Question
Assuming the liability is 50/50, does it mean the other car insurance pays 50% and its own insurance pays the rest of 50% after the deductible? Can you explain it? Thanks.


Answer
Hi Ack,

It would depend on your state. In some cases each insurance company would pay 50% of the others damage and each parties insurance company would pay the other 50% after the deductible. In other states if you are 49% liable you can not collect from the other party and in still other states if you are 1% liable you can not collect from the other party. You will have to wait until a liability decision is made and then ask your adjuster how it is applied in your state.

I hope this helps
Richard Hixenbaugh

Auto Insurance Claims

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Richard Hixenbaugh

Expertise

Auto insurance claims procedure, auto coverage, liability issues, auto damage questions, how to deal with the insurance company, loss of use and diminished value.

Experience

I have been involved in the insurance industry for over 25 years. I have experience in underwriting, sales, claims adjusting, auto damage estimating, auto value appraising and diminished value appraising. I have testified as an expert witness over 35 times.

Organizations
Society of Certified Auto Appraisers

Education/Credentials
Completed all required courses for the Florida Property-Casualty agents license and the Florida claims adjusters license. I have attended various courses on auto damage estmating, vehicle appraising and am ASE certified in collision damage analysis.

Past/Present Clients
My company has done work for consumers nationwide.

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